WEATHER UPDATE: If you have been adversely affected by the recent weather and need to register a claim, contact a member of our Commercial Claims team. Please note that we may be experiencing increased call volumes, but will do our best to answer your query as quickly as possible.

Essential Property Owners

Specialist Insurance from an 'A' rated insurer

Who is Essential Property owners (EPO) for?

EPO is designed for professional property owners or managing agents with commercial and/or residential UK portfolios.

  • Typical minimum premium of £5,000 with a focus on larger risks
  • Large single risk or multiple property portfolios
  • Target trades include offices, retail, industrial, warehouses and blocks of flats
  • Property owners with an appreciation and track record of effective risk management

Key selling points

  • Adaptable policy wording - core standard cover with a range of optional sections
  • Flexible underwriting - tailored solutions made to match specific needs of clients
  • Specialist risk management advice - industry specific property owners survey
  • Dedicated property claim teams - specialist knowledge and first-class service
  • One quote to market approach - bid confidently for new business
  • 'A' rated financial strength* - trade with confidence and provide your clients and their financiers with the security they require

A commitment to service excellence

  • Expertise - experienced local underwriting teams supported by a specialist London Property Owners Unit
  • Appetite - clear risk appetite and committed to working flexibly with partners
  • Access to decision makers - direct access to underwriters empowered to trade
  • Growth - focus on supporting partners to win and retain business
  • Commission - flexible approach to commission structures
  • In-House Survey Team - including risk management support function
  • Individual tenants certificates - available on request

Policy Sections

Our broad policy wording combines core standard cover with a range of bolt-on optional additions to provide flexible cover, tailor made for your client.

    Standard Cover Optional Cover
Asset Protection Buildings X  
  Engineering Breakdown X  
  Terrorism   X
Revenue Protection Rent X  
  Advance Rent Cover   X
  Financial Loss   X
Liability Protection Property Owners Liability X  
  Legal Expenses Cover   X
  Employers' Liability   X

Speak to your NIG Business Development Manager today about risks that may suit Essential Property Owners.

*UK Insurance Ltd (UKI) underwrites NIG's policies and UKI Insurer Financial Strength Ratings are: 'A' S&P, 'A2' Moody's.